The great thing about thermal mass is that it's nice and cool in summer, so if you tend to have cooling bills at that time of year, it could reduce them, or at least make the room more comfortable in the hotter part of the day. A cob bench could be a breakfast nook or just every day seating. If you have a couch in the room, imagine the space available if the couch were built into the wall instead. If you're not using the mass heater for heat, you can layer it with all the cushions you want.
For comfort and some amount of thermal mass, consider a pad filled with sand. You might want to test the thermal properties of coarse vs. fine grained sand. I've also heard of folks who build thermal mass
heaters where the mass forms the base of their bed, so some substantial padding should work if the design takes it into account.
But if it doesn't work for your application, don't force it! There are lots of other options.
RMH also aren't ideal for settings where you wouldn't be firing it every day or at least every two days, regularly, for a few months out of the year... they don't heat up quickly, so getting them up to temperature after they've been allowed to cool down, for instance if the weather repeatedly warms up and then gets cold again over the
course of your winters, negates their efficiency to some degree.